$30.20

+0.14 (+0.47%)

Weekly Expected Move ±4.7%

$27 $29 $30 $32 $33

NASDAQ · Financial Services · Financial - Credit Services · Tech Score Sell · Power 40 · $1.8B mcap · 56M float · 1.76% daily turnover · Short 70% of daily vol

Edge Score

Quantitative competitive moat analysis scoring five pillars of durable advantage — cost leadership, brand intangibles, switching costs, network effects, and efficient scale — using industry percentile rankings on a 0–100 scale.

WEAK EDGE

48.3 / 100

NoneWeakNarrowWide

Primary source: Cost Advantage · ROIC: 9.9% · 5Y Avg: 6.9%

Cost Advantage ★

Intangibles

Switching Cost

Network Effect

Scale

The Edge Score quantifies a company's competitive moat using five pillars: Cost Advantage (20%, operating margin and SG&A efficiency vs industry peers), Intangible Assets (25%, gross margin premium, R&D intensity, brand pricing power), Switching Costs (25%, revenue stability, earnings consistency, customer retention proxied by operating leverage), Network Effects (15%, revenue growth with expanding margins, market share dominance), and Efficient Scale (15%, market concentration, ROIC sustainability). Each pillar is scored 0–100 using industry percentile rankings, then weighted into a composite. Wide ≥ 70, Narrow ≥ 55, Weak ≥ 40, None < 40. EZPW shows a Weak competitive edge (48.3/100) — limited structural advantages that may face competitive pressure. The primary source of advantage is Cost Advantage. ROIC of 9.9% suggests modest returns relative to capital deployed.

Analyst Insights

Wall Street analyst consensus based on price targets and buy/sell/hold recommendations from institutional research coverage over the trailing 12 months.

Analyst Price Targets

Low

$45

Avg Target

$45

High

Based on 9 analyst ratings (12 mo)

Analyst Recommendations

Strong Buy: 0Buy: 9Hold: 6Sell: 0Strong Sell: 0

Rating Summary

ConsensusBuy

Avg Target$45.00

Analysts1

Price Target Change History

Date	Firm	Analyst	Old	New	Change	Upside @ Call	Stock@Call
2026-07-08	Jefferies	—	$8	$45	+36	+27.0%	$35.44
2026-05-08	Roth Capital	Craig Irwin	$26	$40	+14	+21.7%	$32.88
2026-05-08	Canaccord Genuity	Brian McNamara	$34	$44	+10	+33.8%	$32.88
2026-02-06	Stephens	—	Initiated	$26	—	+13.3%	$22.94
2026-02-06	Canaccord Genuity	—	$28	$34	+6	+48.2%	$22.94
2026-01-06	Roth Capital	—	$16	$26	+10	+24.2%	$20.94
2025-11-17	Canaccord Genuity	—	$27	$28	+1	+57.7%	$17.75
2025-11-03	JMP Securities	—	Initiated	$23	—	+26.0%	$18.25
2025-10-06	Canaccord Genuity	Brian McNamara	$19	$27	+8	+48.5%	$18.18
2025-03-17	Roth Capital	—	Initiated	$16	—	+15.9%	$13.81
2024-10-04	Canaccord Genuity	Brian McNamara	$17	$19	+2	+66.7%	$11.40
2024-05-03	Canaccord Genuity	Brian McNamara	$18	$17	-1	+61.3%	$10.54
2024-04-16	Canaccord Genuity	Brian McNamara	$15	$18	+3	+66.4%	$10.82
2023-02-03	Canaccord Genuity	—	$14	$15	+1	+59.3%	$9.41
2023-01-04	Canaccord Genuity	—	Initiated	$14	—	+68.1%	$8.33
2022-04-04	Jefferies	John Hecht	Initiated	$8	—	+33.6%	$6.36

Financial Rating

Composite financial health rating (A+ to F) based on discounted cash flow valuation, return on equity, return on assets, debt-to-equity leverage, and relative P/E and P/B multiples.

A-

Oct 02, 2026

DCF

ROE

ROA

D/E

P/E

P/B

The Financial Rating evaluates six fundamental factors — discounted cash flow (DCF) valuation, return on equity (ROE), return on assets (ROA), debt-to-equity leverage (D/E), and relative price-to-earnings (P/E) and price-to-book (P/B) multiples — each scored 1–5. EZPW receives an overall rating of A-. Strongest factors: DCF (5/5), ROE (4/5), ROA (5/5). Areas of concern: D/E (2/5), P/B (2/5).

Rating Change History

Date	From	To
2026-10-01	B+	A-
2026-08-24	A-	B+
2026-04-30	A	A-
2026-04-01	A-	A
2026-03-30	A	A-
2026-02-26	A-	A

InsiderStreet Scorecard

Proprietary multi-factor scorecard rating companies across seven fundamental dimensions — profitability, balance sheet strength, earnings quality, growth, value, momentum, and safety — each scored 0–100.

★ ★ ★ ★ ★ 70 Grade A

Profitability

Balance Sheet

Earnings Quality

Growth

Value

Momentum

Safety

100

Cash Flow

The InsiderStreet Scorecard rates companies across eight dimensions: Profitability (margins, ROA, ROE), Balance Sheet (leverage, liquidity, coverage), Earnings Quality (accruals, cash conversion), Growth (revenue and earnings trajectory), Value (P/E, P/B, earnings yield, Graham criteria), Momentum (revenue and earnings acceleration), Safety (Altman Z-Score risk adjustment), and Cash Flow (operating cash flow quality, FCF conversion, cash coverage). The overall score blends 35% quality, 35% value, and 30% momentum, with a penalty for distress-zone Altman scores. EZPW scores highest in Safety (100/100) and lowest in Profitability (52/100). An overall grade of A places EZPW among the highest-quality companies in its peer group.

Risk & Quality Signals

Academic financial models used by institutional investors to assess bankruptcy risk, earnings manipulation, financial strength, and credit quality.

Altman-B Score

13.17

Safe Zone

Piotroski F-Score

6/9

✓ ✓ ✓ ✓ ✓ ✗ ✗ ✗ ✓

Beneish M-Score

-2.19

Unlikely Manipulator

Ohlson O-Score

-8.49

Bankruptcy prob: 0.0%

Low Risk

Credit Rating

Score: 86.1/100

Trend: Improving

Earnings Quality

100/100

OCF/NI: 1.16x

Accruals: -1.3%

The Altman-B Score replaces the traditional Z-Score for banks and financial institutions. It weights equity-to-assets, return on assets, retained earnings, market value coverage, and cash reserves — metrics that better capture bank solvency than manufacturing-oriented ratios. EZPW scores 13.17, placing it in the Safe Zone (safe > 3.0, distress < 1.5). Bankruptcy is statistically unlikely within the next two years. The Piotroski F-Score (2000) is a 9-point binary checklist — four profitability tests (positive ROA, positive cash flow, improving ROA, cash flow exceeding net income), three leverage tests (declining debt ratio, improving current ratio, no share dilution), and two efficiency tests (improving gross margin, improving asset turnover). Each pass scores 1 point. EZPW scores 6/9, indicating moderate financial health — some areas of strength offset by weaknesses in others. The Beneish M-Score (1999) is an 8-variable model that detects earnings manipulation by comparing year-over-year changes in receivables, gross margins, asset quality, sales growth, depreciation, SG&A, leverage, and accruals. Scores above −1.78 statistically resemble past manipulators. EZPW's score of -2.19 falls below this threshold, suggesting earnings are unlikely to be manipulated. The Ohlson O-Score (1980) is a 9-variable logistic regression that estimates bankruptcy probability using firm size, leverage, working capital, current ratio, profitability (ROA), cash flow coverage, negative equity flag, consecutive losses flag, and earnings trajectory. The raw score is converted to a probability via logistic transformation. EZPW's implied 0.0% bankruptcy probability is well within safe territory. Our Credit Rating model scores companies on five weighted components — solvency (30%), earning power (25%), leverage (20%), liquidity (15%), and cash flow quality (10%) — then blends the absolute score with sector and industry peer rankings. For companies with large buyback programs, equity is adjusted by adding back cumulative 5-year repurchases (capped at 80% of FCF generated) to avoid penalizing shareholder-friendly capital allocation. EZPW receives an estimated rating of AA (score: 86.1/100), with a improving trend. The Earnings Quality score measures how well reported earnings are backed by real cash. It evaluates the operating cash flow to net income ratio (OCF/NI ≥ 1.0 means every dollar of earnings is cash-backed) and the accruals ratio (the gap between earnings and cash flow relative to assets — lower is better). EZPW's score of 100/100 is high — cash flows strongly support reported earnings.

Valuation

Key valuation multiples comparing the stock's market price to its earnings, revenue, book value, and cash flows. Lower multiples may indicate relative undervaluation versus peers.

P/E

11.71x

PEG

0.01x

P/S

1.12x

P/B

1.60x

P/FCF

20.52x

P/OCF

15.68x

EV/EBITDA

12.27x

EV/Revenue

2.13x

EV/EBIT

14.13x

EV/FCF

24.08x

Earnings Yield

5.49%

FCF Yield

4.87%

Shareholder Yield

0.31%

Graham Number

$24.43

Equity-based multiples (P/E, P/B, P/FCF) compare the stock price to per-share fundamentals and are affected by capital structure. Enterprise value multiples (EV/EBITDA, EV/Revenue, EV/FCF) strip out debt and cash, making them more useful for cross-company comparisons regardless of how companies are financed. The Graham Number — √(22.5 × EPS × Book Value) — is Benjamin Graham's formula for the maximum price a defensive investor should pay. At 11.7x earnings, EZPW trades at a reasonable valuation. An earnings yield of 5.5% exceeds typical risk-free rates, suggesting equities are being compensated for risk. Graham's intrinsic value formula yields $24.43 per share, 24% below the current price.

DuPont Decomposition (5-Factor)

The 5-factor DuPont framework breaks Return on Equity into its component drivers — tax efficiency, interest burden, operating profitability, asset utilization, and financial leverage — to reveal what truly drives shareholder returns.

Tax Burden

0.743

NI / EBT

Interest Burden

0.890

EBT / EBIT

EBIT Margin

0.151

EBIT / Rev

Asset Turnover

0.783

Rev / Assets

Equity Multiplier

1.879

Assets / Equity

ROE

14.7%

The 5-factor DuPont identity decomposes ROE as: Tax Burden × Interest Burden × EBIT Margin × Asset Turnover × Equity Multiplier = ROE. This reveals whether returns are driven by operating performance, financial leverage, or tax efficiency — three very different sources of profitability. EZPW's ROE of 14.7% is driven by Asset Turnover (0.783), indicating efficient use of assets to generate revenue.

Graham-Dodd Adjusted Valuation

Our adaptation of Graham's growth formula (Fair P/E = 8.5 + 2g) from The Intelligent Investor. The classic version relies on analyst growth projections, which can be unreliable. This adjusted model substitutes the company's realized 3-year EPS CAGR — a backward-looking, verifiable measure of actual earnings power — grounding the valuation in demonstrated performance rather than forecasts.

Two adjustments we make, and why. Growth is capped at 15%. Graham defined g as expected growth over the next seven to ten years, not last year's rate. Across US companies since 1994 the median realized 7-year EPS growth is 5–8% regardless of how fast a company grew beforehand, and of 4,457 company-quarters that grew faster than 200%, none sustained it. Uncapped, the formula assigned fair multiples in the hundreds to companies that had never held that rate — and scored worse than simply reading the P/E. Capped, it carries real information. The verdict has three states, not two. Tested over 377,249 stock-months, this ratio only separates outcomes at its extremes: below 0.25 beat the universe by 1.3 points a year, above 3.0 lagged by 2.7, and everything in between sat inside a one-point band. Rather than call two-thirds of the market "undervalued" on a threshold of 1.0, we say Neutral where the model cannot tell — which is most of the time.

Adj. Growth Rate

15.00%

Fair P/E

38.50x

Intrinsic Value

$73.12

Price/Value

0.47x

Margin of Safety

52.72%

Premium

-52.72%

Assessment

Neutral

Graham's classic formula uses analyst-projected growth to estimate a fair P/E (8.5 + 2g). Our adjusted version replaces that projection with EZPW's realized 15.0% 3-year EPS CAGR, capped at 15% — demonstrated performance rather than forecasts, held to a rate companies have historically sustained. EZPW actually compounded EPS at 66.8% over three years; the model uses 15%, the highest rate it will extrapolate — of 4,457 company-quarters that grew faster than 200%, none sustained it over the following seven years. EZPW trades at a -53% premium to its adjusted intrinsic value of $73.12, suggesting the market is pricing in future growth beyond what historical earnings support. The adjusted fair P/E of 38.5x compares to the current market P/E of 11.7x.

Profitability Trends

Historical profitability ratios tracking how efficiently the company converts revenue into returns for shareholders over time.

Leverage & Solvency Trends

Debt and liquidity metrics showing the company's financial leverage and ability to meet short-term and long-term obligations.

Efficiency & Working Capital Trends

Operating efficiency metrics measuring how quickly the company converts inventory to sales, collects receivables, and manages its cash conversion cycle.

Growth Trends (YoY %)

Year-over-year growth rates for key financial metrics, showing the trajectory of revenue, earnings, and cash flow generation.

Earnings Stability

R-squared of linear regression measuring how predictably revenue, earnings, and margins follow a trend over the trailing 5 years. 1.0 = perfectly predictable; lower values indicate erratic or cyclical behavior.

Monte Carlo Price Simulation

Geometric Brownian Motion with 1,000 antithetic paths over 1 year, seeded from 1800 days of historical volatility. Percentile bands show the range of statistically plausible outcomes — this is a statistical model, not a forecast.

Current Price

$30.20

Median 1Y

$33.15

5th Pctile

$17.20

95th Pctile

$64.42

Ann. Volatility

41.1%

Analyst Target

$45.00

25th–75th percentile 5th–95th percentile Median path Historical Analyst target

Workforce & Productivity

Workforce efficiency metrics measuring revenue, profit, and R&D spend per employee — key indicators of operational leverage and human capital productivity.

Employees

8,500

+6.2% YoY

Revenue / Employee

$149,915

Rev: $1,274,280,000

Profit / Employee

$12,896

NI: $109,613,000

SGA / Employee

$9,824

Avg labor cost proxy

Scaling Efficiency

All Ratios & Metrics

Complete fundamental data with up to 20 periods of history, sparkline trends, and current values across 13 categories and 130+ financial metrics.

Profitability

Metric	Q4'21	Q1'22	Q2'22	Q3'22	Q4'22	Q1'23	Q2'23	Q3'23	Q4'23	Q1'24	Q2'24	Q3'24	Q4'24	Q1'25	Q2'25	Q3'25	Q4'25	Q1'26	Q2'26	Q3'26	Current
ROE	1.3%	3.0%	4.4%	6.5%	7.4%	7.5%	4.3%	5.0%	5.3%	6.8%	10.4%	10.1%	10.7%	10.7%	10.8%	11.0%	12.0%	13.0%	14.9%	14.7%	14.69%
ROA	0.7%	1.6%	2.4%	3.5%	3.8%	3.8%	2.2%	2.5%	2.7%	3.5%	5.4%	5.3%	5.6%	5.7%	5.4%	5.8%	6.4%	7.0%	7.4%	7.8%	7.82%
ROIC	1.9%	2.9%	4.0%	5.1%	5.4%	5.3%	5.3%	5.6%	6.0%	6.7%	6.7%	6.3%	6.7%	8.5%	7.4%	7.7%	8.4%	9.1%	9.7%	9.9%	9.87%
ROCE	3.4%	4.5%	5.3%	6.1%	6.5%	6.7%	4.6%	5.1%	5.3%	6.0%	8.6%	9.5%	10.6%	10.6%	8.8%	9.1%	9.7%	10.3%	11.7%	12.4%	12.37%
Gross Margin	62.0%	59.8%	59.7%	60.0%	59.0%	57.7%	57.7%	58.2%	58.9%	57.5%	58.7%	59.2%	59.5%	57.9%	58.3%	59.1%	59.0%	58.4%	56.0%	58.8%	58.79%
Operating Margin	4.1%	10.1%	11.2%	6.3%	6.4%	10.7%	10.3%	8.1%	6.1%	12.4%	9.6%	7.9%	8.8%	13.1%	11.2%	11.6%	11.0%	15.9%	15.2%	13.1%	13.09%
Net Margin	0.8%	7.1%	6.9%	5.7%	3.1%	6.3%	-2.6%	7.1%	3.8%	9.5%	7.5%	6.4%	5.2%	9.7%	8.3%	8.5%	7.9%	11.6%	11.0%	9.1%	9.12%
EBITDA Margin	15.8%	14.2%	13.9%	17.1%	16.3%	14.6%	1.6%	12.8%	30.2%	16.6%	14.1%	12.3%	12.8%	16.5%	14.9%	16.5%	15.6%	18.2%	18.7%	16.7%	16.72%
FCF Margin	3.1%	4.5%	4.1%	4.1%	3.9%	3.8%	4.4%	5.0%	5.9%	6.6%	5.0%	6.2%	6.9%	7.3%	8.8%	8.2%	8.8%	9.2%	9.0%	8.9%	8.86%
OCF Margin	6.4%	7.8%	7.3%	7.3%	7.5%	7.4%	8.5%	9.1%	9.7%	10.3%	8.2%	8.8%	9.9%	10.1%	11.8%	11.6%	11.8%	12.3%	11.9%	11.6%	11.60%
ROE 3Y Avg	snapshot only																				11.08%
ROE 5Y Avg	snapshot only																				8.91%
ROA 3Y Avg	snapshot only																				5.90%
ROIC 3Y Avg	snapshot only																				7.03%
ROIC Economic	snapshot only																				8.45%
Cash ROA	snapshot only																				8.48%
Cash ROIC	snapshot only																				11.04%
CROIC	snapshot only																				8.44%
NOPAT Margin	snapshot only																				10.37%
Pretax Margin	snapshot only																				13.44%
R&D / Revenue	snapshot only																				0.00%
SGA / Revenue	snapshot only																				7.49%
SBC / Revenue	snapshot only																				1.00%

Valuation

Metric	Q4'21	Q1'22	Q2'22	Q3'22	Q4'22	Q1'23	Q2'23	Q3'23	Q4'23	Q1'24	Q2'24	Q3'24	Q4'24	Q1'25	Q2'25	Q3'25	Q4'25	Q1'26	Q2'26	Q3'26	Current
P/E Ratio	49.96	30.15	16.82	13.96	12.69	13.33	24.83	20.47	18.69	15.13	12.00	11.12	11.27	11.89	13.67	11.73	14.46	13.16	14.44	18.20	11.705
P/S Ratio	0.59	0.78	0.62	0.73	0.72	0.73	0.75	0.72	0.69	0.70	0.85	0.76	0.81	0.86	1.02	0.93	1.24	1.21	1.43	1.82	1.116
P/B Ratio	0.64	0.92	0.74	0.90	0.92	0.97	1.03	0.98	0.96	0.98	1.18	1.08	1.16	1.24	1.44	1.16	1.55	1.51	1.89	2.47	1.596
P/FCF	18.84	17.45	15.29	17.83	18.37	19.46	17.08	14.32	11.71	10.66	16.83	12.41	11.76	11.88	11.58	11.41	14.13	13.10	15.93	20.52	20.518
P/OCF	9.27	10.07	8.54	10.02	9.56	9.87	8.86	7.88	7.06	6.80	10.28	8.73	8.12	8.49	8.63	8.06	10.51	9.87	12.07	15.68	15.682
EV/EBITDA	5.57	7.55	6.64	7.30	7.16	7.49	9.32	9.73	7.06	6.82	6.49	6.39	8.22	7.18	9.25	7.69	9.29	8.76	9.98	12.27	12.275
EV/Revenue	0.90	1.16	0.96	1.11	1.10	1.16	1.13	1.09	1.06	1.06	1.19	1.16	1.15	1.00	1.31	1.17	1.47	1.43	1.73	2.13	2.134
EV/EBIT	17.11	17.55	12.56	12.97	12.57	12.71	18.88	16.48	16.29	14.61	11.58	11.34	10.32	8.96	11.44	9.31	11.07	10.31	11.53	14.13	14.130
EV/FCF	28.65	25.90	23.68	27.02	28.19	30.65	25.51	21.73	18.06	16.11	23.72	18.84	16.74	13.85	14.96	14.29	16.76	15.53	19.28	24.08	24.077
Earnings Yield	2.0%	3.3%	5.9%	7.2%	7.9%	7.5%	4.0%	4.9%	5.3%	6.6%	8.3%	9.0%	8.9%	8.4%	7.3%	8.5%	6.9%	7.6%	6.9%	5.5%	5.49%
FCF Yield	5.3%	5.7%	6.5%	5.6%	5.4%	5.1%	5.9%	7.0%	8.5%	9.4%	5.9%	8.1%	8.5%	8.4%	8.6%	8.8%	7.1%	7.6%	6.3%	4.9%	4.87%
PEG Ratio	snapshot only																				0.005
Price/Tangible Book	snapshot only																				5.105
EV/OCF	snapshot only																				18.401
EV/Gross Profit	snapshot only																				3.683
Acquirers Multiple	snapshot only																				15.352
Shareholder Yield	snapshot only																				0.31%
Graham Number	snapshot only																				$24.43

Leverage & Solvency

Metric	Q4'21	Q1'22	Q2'22	Q3'22	Q4'22	Q1'23	Q2'23	Q3'23	Q4'23	Q1'24	Q2'24	Q3'24	Q4'24	Q1'25	Q2'25	Q3'25	Q4'25	Q1'26	Q2'26	Q3'26	Current
Current Ratio	3.94	4.26	4.47	4.35	4.21	4.77	4.72	4.74	3.75	4.00	4.17	2.59	2.71	2.91	4.04	6.31	5.61	6.03	4.71	4.81	4.811
Quick Ratio	3.22	3.41	3.59	3.43	3.22	3.64	3.69	3.71	2.88	3.08	3.23	1.99	1.99	2.13	3.25	5.00	4.37	4.69	3.52	3.45	3.448
Debt/Equity	0.71	0.80	0.78	0.79	0.79	0.85	0.85	0.83	0.82	0.78	0.77	0.83	0.70	0.42	1.01	0.77	0.75	0.71	0.71	0.70	0.696
Net Debt/Equity	0.33	0.45	0.40	0.47	0.49	0.56	0.51	0.51	0.52	0.50	0.48	0.56	0.49	0.20	0.42	0.29	0.29	0.28	0.40	0.43	0.429
Debt/Assets	0.38	0.41	0.41	0.41	0.41	0.43	0.43	0.42	0.42	0.41	0.41	0.44	0.38	0.23	0.47	0.40	0.39	0.39	0.38	0.37	0.374
Debt/EBITDA	4.07	4.43	4.55	4.21	4.01	4.18	5.15	5.41	3.88	3.61	3.00	3.24	3.49	2.08	5.05	4.07	3.78	3.50	3.11	2.94	2.943
Net Debt/EBITDA	1.91	2.46	2.35	2.48	2.49	2.73	3.08	3.31	2.48	2.31	1.88	2.18	2.44	1.02	2.09	1.55	1.46	1.37	1.73	1.81	1.814
Interest Coverage	1.72	2.67	3.80	5.45	7.79	6.16	3.98	4.37	4.14	5.73	8.35	8.40	9.51	9.97	10.49	8.56	7.37	6.63	6.71	7.25	7.248
Equity Multiplier	1.88	1.96	1.93	1.94	1.95	1.99	1.99	1.97	1.97	1.91	1.88	1.88	1.86	1.82	2.15	1.90	1.90	1.86	1.90	1.86	1.860
Cash Ratio	snapshot only																				1.340
Debt Service Coverage	snapshot only																				8.344
Cash to Debt	snapshot only																				0.384
FCF to Debt	snapshot only																				0.173
Defensive Interval	snapshot only																				411.7 days

Efficiency & Turnover

Metric	Q4'21	Q1'22	Q2'22	Q3'22	Q4'22	Q1'23	Q2'23	Q3'23	Q4'23	Q1'24	Q2'24	Q3'24	Q4'24	Q1'25	Q2'25	Q3'25	Q4'25	Q1'26	Q2'26	Q3'26	Current
Asset Turnover	0.59	0.62	0.64	0.66	0.68	0.69	0.71	0.73	0.75	0.75	0.76	0.77	0.78	0.79	0.72	0.73	0.74	0.77	0.75	0.78	0.783
Inventory Turnover	2.71	2.79	3.06	2.98	2.73	2.77	2.98	2.95	2.76	2.83	2.96	2.88	2.67	2.67	2.67	2.56	2.40	2.44	2.57	2.46	2.459
Receivables Turnover	22.03	21.95	24.40	23.63	22.00	19.85	19.94	19.41	22.42	16.47	16.71	6.20	20.71	17.75	18.45	6.74	20.50	21.78	20.31	22.52	22.523
Payables Turnover	13.47	16.58	17.64	17.29	15.40	19.47	22.28	21.91	18.66	23.67	31.06	27.62	21.85	29.48	37.70	27.36	24.13	34.81	31.25	27.33	27.334
DSO	17	17	15	15	17	18	18	19	16	22	22	59	18	21	20	54	18	17	18	16	16.2 days
DIO	135	131	119	122	134	132	122	124	132	129	124	127	136	137	136	142	152	150	142	148	148.4 days
DPO	27	22	21	21	24	19	16	17	20	15	12	13	17	12	10	13	15	10	12	13	13.4 days
Cash Conversion Cycle	124	125	114	117	127	132	124	126	129	136	134	172	137	145	147	183	155	156	148	151	151.3 days
Fixed Asset Turnover	snapshot only																				4.280
Operating Cycle	snapshot only																				164.6 days
Cash Velocity	snapshot only																				5.094
Capital Intensity	snapshot only																				1.367

Growth (YoY)

Metric	Q4'21	Q1'22	Q2'22	Q3'22	Q4'22	Q1'23	Q2'23	Q3'23	Q4'23	Q1'24	Q2'24	Q3'24	Q4'24	Q1'25	Q2'25	Q3'25	Q4'25	Q1'26	Q2'26	Q3'26	Current
Revenue	-11.3%	-0.8%	8.6%	20.1%	21.5%	20.3%	21.0%	19.7%	18.4%	16.7%	14.4%	12.4%	10.7%	8.9%	8.1%	8.3%	9.7%	13.1%	22.8%	28.6%	28.61%
Net Income	1.1%	1.3%	2.5%	3.7%	4.8%	1.6%	-0.2%	-19.9%	-23.3%	-2.1%	1.7%	1.2%	1.2%	70.8%	14.2%	25.5%	31.9%	43.5%	63.7%	61.4%	61.37%
EPS	1.1%	1.2%	2.0%	2.8%	3.0%	1.5%	-3.6%	-23.9%	-27.4%	-5.5%	1.7%	1.3%	1.3%	77.9%	14.1%	25.7%	32.4%	43.6%	63.2%	60.5%	60.52%
FCF	11.1%	18.1%	49.3%	8.8%	51.7%	1.4%	31.9%	46.2%	77.2%	1.0%	30.1%	37.8%	29.7%	20.4%	89.1%	44.0%	40.8%	44.0%	25.7%	39.3%	39.28%
EBITDA	3.1%	2.8%	58.5%	54.7%	16.1%	21.0%	1.3%	-11.8%	15.3%	17.1%	73.9%	81.9%	3.2%	-1.6%	-16.4%	-9.2%	24.7%	32.3%	50.2%	47.1%	47.05%
Op. Income	1.6%	1.8%	6.0%	20.3%	1.4%	82.5%	44.1%	33.4%	23.0%	24.7%	21.6%	13.9%	22.1%	16.2%	22.5%	34.1%	32.6%	43.0%	62.0%	59.4%	59.39%
OCF Growth	snapshot only																				28.70%
Asset Growth	snapshot only																				15.04%
Equity Growth	snapshot only																				17.63%
Debt Growth	snapshot only																				6.39%
Shares Change	snapshot only																				0.53%
Dividend Growth	snapshot only																				-1.00%

Growth (CAGR)

Metric	Q4'21	Q1'22	Q2'22	Q3'22	Q4'22	Q1'23	Q2'23	Q3'23	Q4'23	Q1'24	Q2'24	Q3'24	Q4'24	Q1'25	Q2'25	Q3'25	Q4'25	Q1'26	Q2'26	Q3'26	Current
Revenue 3Y	-3.5%	-2.1%	-1.3%	0.2%	1.5%	2.9%	4.1%	5.2%	8.4%	11.7%	14.5%	17.3%	16.8%	15.2%	14.4%	13.4%	12.9%	12.9%	15.0%	16.1%	16.12%
Revenue 5Y	-0.0%	1.0%	1.7%	2.4%	3.5%	4.1%	4.7%	5.1%	5.2%	5.7%	5.9%	6.3%	6.5%	6.7%	6.9%	7.2%	9.1%	11.4%	14.8%	17.6%	17.62%
EPS 3Y	-39.2%	-15.8%	11.6%	1.1%	1.4%	68.3%	—	—	—	—	—	—	87.2%	61.4%	44.2%	30.1%	29.4%	34.1%	71.9%	66.8%	66.78%
EPS 5Y	—	—	4.0%	1.6%	0.8%	-1.9%	-13.4%	-13.9%	-8.1%	7.1%	29.6%	76.5%	86.7%	51.6%	—	—	—	—	—	—	—
Net Income 3Y	-39.4%	-3.8%	27.3%	1.4%	1.7%	92.8%	—	—	—	—	—	—	1.1%	62.3%	44.6%	30.3%	29.8%	33.9%	70.6%	64.5%	64.53%
Net Income 5Y	—	—	13.0%	10.5%	9.5%	6.5%	-6.3%	-6.7%	-0.1%	17.4%	40.5%	91.3%	1.0%	64.3%	—	—	—	—	—	—	—
EBITDA 3Y	2.3%	9.9%	13.1%	21.5%	27.6%	20.4%	30.9%	34.9%	76.1%	75.2%	40.8%	35.4%	11.4%	11.7%	13.8%	13.3%	14.1%	15.1%	29.7%	34.4%	34.40%
EBITDA 5Y	20.3%	17.0%	15.0%	15.0%	7.6%	7.3%	2.2%	-0.1%	7.4%	13.5%	20.6%	23.5%	19.8%	15.0%	26.7%	32.3%	47.7%	47.6%	28.5%	27.1%	27.07%
Gross Profit 3Y	-2.3%	-1.1%	-0.6%	0.8%	2.2%	3.5%	4.8%	7.0%	10.7%	13.8%	16.1%	16.6%	14.9%	13.7%	13.1%	12.3%	12.2%	12.6%	14.6%	16.0%	16.01%
Gross Profit 5Y	1.0%	2.0%	2.6%	3.3%	3.9%	4.2%	4.5%	4.8%	4.8%	5.2%	5.4%	6.0%	6.7%	7.0%	7.4%	8.5%	10.7%	12.9%	15.6%	16.9%	16.94%
Op. Income 3Y	-22.9%	-11.1%	-2.1%	5.2%	16.8%	20.9%	—	—	—	—	—	—	53.4%	38.3%	29.0%	26.8%	25.8%	27.5%	34.1%	34.5%	34.52%
Op. Income 5Y	1.3%	4.3%	8.3%	9.1%	6.9%	6.4%	6.3%	7.8%	6.2%	9.9%	10.5%	12.1%	19.1%	20.7%	—	—	—	—	—	—	—
FCF 3Y	-22.2%	-15.0%	-17.9%	-13.4%	-18.8%	4.6%	5.1%	-5.3%	44.0%	34.4%	36.9%	1.7%	51.6%	35.3%	48.1%	42.6%	47.9%	52.1%	45.7%	40.3%	40.35%
FCF 5Y	-16.1%	-8.1%	17.1%	7.7%	1.0%	-7.0%	-1.7%	1.2%	4.8%	4.8%	-1.0%	5.5%	4.2%	22.8%	23.3%	11.0%	40.4%	33.3%	43.5%	1.1%	1.09%
OCF 3Y	-20.0%	-14.1%	-14.7%	-10.0%	-13.7%	-0.0%	3.7%	-0.9%	27.5%	26.2%	25.3%	56.8%	35.4%	26.0%	34.5%	32.2%	31.3%	33.3%	28.4%	25.8%	25.78%
OCF 5Y	-6.3%	-1.2%	14.7%	9.6%	4.0%	-2.6%	0.4%	-0.1%	2.4%	3.3%	-0.5%	3.3%	2.2%	11.6%	13.8%	8.5%	25.2%	24.2%	30.4%	48.1%	48.05%
Assets 3Y	0.7%	1.1%	1.2%	7.6%	7.5%	2.5%	5.4%	6.0%	7.0%	7.4%	8.0%	6.8%	5.6%	5.4%	12.1%	12.3%	13.1%	12.3%	14.4%	14.1%	14.12%
Assets 5Y	5.2%	5.8%	6.2%	6.5%	5.6%	6.1%	5.7%	3.3%	3.4%	3.7%	3.8%	7.1%	6.6%	2.9%	8.6%	9.0%	10.3%	10.7%	12.2%	11.8%	11.83%
Equity 3Y	-3.3%	-4.0%	-3.0%	-2.8%	-2.4%	-2.1%	1.7%	2.8%	4.7%	5.3%	6.1%	6.0%	6.2%	8.0%	8.1%	13.0%	14.0%	14.9%	16.3%	16.4%	16.37%
Book Value 3Y	-3.0%	-15.9%	-15.0%	-14.9%	-13.3%	-14.6%	-11.9%	-11.7%	-10.1%	-9.4%	-7.1%	-7.1%	-6.6%	7.4%	7.7%	12.8%	13.7%	15.2%	17.1%	18.0%	17.96%
Dividend 3Y	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—

Growth Quality

Metric	Q4'21	Q1'22	Q2'22	Q3'22	Q4'22	Q1'23	Q2'23	Q3'23	Q4'23	Q1'24	Q2'24	Q3'24	Q4'24	Q1'25	Q2'25	Q3'25	Q4'25	Q1'26	Q2'26	Q3'26	Current
Revenue Stability	0.02	0.06	0.05	0.04	0.18	0.33	0.32	0.30	0.40	0.51	0.54	0.56	0.62	0.70	0.76	0.82	0.93	0.98	0.96	0.95	0.953
Earnings Stability	0.01	0.01	0.09	0.05	0.01	0.00	0.00	0.01	0.07	0.20	0.56	0.66	0.62	0.63	0.96	0.94	0.89	0.90	0.95	0.93	0.927
Margin Stability	0.96	0.96	0.97	0.97	0.96	0.96	0.97	0.97	0.96	0.96	0.97	0.99	0.98	0.98	0.98	0.97	0.97	0.97	0.98	0.99	0.989
Rev. Growth Consistency	0.00	0.00	0.50	0.50	0.50	0.50	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.000
Earn. Growth Consistency	0.50	0.50	1.00	1.00	1.00	1.00	0.00	0.00	0.00	0.00	0.50	0.50	0.50	0.50	1.00	1.00	1.00	1.00	1.00	1.00	1.000
FCF Positive Streak	1	1	1	1	1	1	1	1	1	1	1	1	1	1	1	1	1	1	1	1	1
Earnings Persistence	0.20	0.20	0.20	0.20	0.50	0.50	0.50	0.50	0.91	0.99	0.50	0.50	0.50	0.50	0.94	0.90	0.87	0.83	0.50	0.50	0.500
Earnings Smoothness	—	—	—	—	0.00	0.12	1.00	0.78	0.74	0.98	0.09	0.25	0.27	0.48	0.87	0.77	0.72	0.64	0.52	0.53	0.530
ROE Trend	0.06	0.08	0.09	0.11	0.12	0.11	0.03	0.03	0.01	0.01	0.06	0.04	0.04	0.04	0.04	0.03	0.03	0.03	0.03	0.04	0.038
Gross Margin Trend	0.05	0.05	0.04	0.03	0.01	0.01	0.00	-0.02	-0.02	-0.02	-0.01	-0.01	-0.00	0.00	0.00	0.00	0.00	0.00	-0.01	-0.01	-0.007
FCF Margin Trend	-0.02	0.01	0.00	0.00	0.01	-0.00	0.01	0.03	0.02	0.02	0.01	0.02	0.02	0.02	0.04	0.03	0.02	0.02	0.02	0.02	0.017
Sustainable Growth Rate	1.3%	3.0%	4.4%	6.5%	7.4%	7.5%	4.3%	5.0%	5.3%	6.8%	10.4%	10.1%	10.7%	10.7%	10.8%	10.8%	11.8%	12.8%	14.7%	14.7%	14.69%
Internal Growth Rate	0.7%	1.6%	2.4%	3.6%	4.0%	4.0%	2.2%	2.6%	2.8%	3.6%	5.7%	5.6%	5.9%	6.1%	5.7%	6.0%	6.7%	7.5%	7.9%	8.5%	8.48%

Cash Flow Quality

Metric	Q4'21	Q1'22	Q2'22	Q3'22	Q4'22	Q1'23	Q2'23	Q3'23	Q4'23	Q1'24	Q2'24	Q3'24	Q4'24	Q1'25	Q2'25	Q3'25	Q4'25	Q1'26	Q2'26	Q3'26	Current
OCF/Net Income	5.39	2.99	1.97	1.39	1.33	1.35	2.80	2.60	2.65	2.23	1.17	1.27	1.39	1.40	1.58	1.46	1.37	1.33	1.20	1.16	1.161
FCF/OCF	0.49	0.58	0.56	0.56	0.52	0.51	0.52	0.55	0.60	0.64	0.61	0.70	0.69	0.71	0.75	0.71	0.74	0.75	0.76	0.76	0.764
FCF/Net Income	snapshot only																				0.887
OCF/EBITDA	snapshot only																				0.667
CapEx/Revenue	3.2%	3.3%	3.2%	3.2%	3.6%	3.7%	4.1%	4.1%	3.9%	3.7%	3.2%	2.6%	3.1%	2.9%	3.0%	3.4%	3.0%	3.0%	2.9%	2.7%	2.73%
CapEx/Depreciation	snapshot only																				1.197
Accruals Ratio	-0.03	-0.03	-0.02	-0.01	-0.01	-0.01	-0.04	-0.04	-0.05	-0.04	-0.01	-0.01	-0.02	-0.02	-0.03	-0.03	-0.02	-0.02	-0.01	-0.01	-0.013
Sloan Accruals	snapshot only																				-0.033
Cash Flow Adequacy	snapshot only																				4.242
Earnings Quality Score	snapshot only																				1.000

Dividends & Buybacks

Metric	Q4'21	Q1'22	Q2'22	Q3'22	Q4'22	Q1'23	Q2'23	Q3'23	Q4'23	Q1'24	Q2'24	Q3'24	Q4'24	Q1'25	Q2'25	Q3'25	Q4'25	Q1'26	Q2'26	Q3'26	Current
Dividend Yield	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.1%	0.1%	0.1%	0.1%	0.0%	0.00%
Dividend/Share	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.02	$0.02	$0.02	$0.02	$0.00	$0.00
Payout Ratio	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	1.7%	1.6%	1.4%	1.2%	0.0%	0.00%
FCF Payout Ratio	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	1.7%	1.5%	1.4%	1.3%	0.0%	0.00%
Total Payout Ratio	9.7%	0.5%	0.0%	0.0%	4.1%	17.7%	44.1%	45.1%	44.2%	25.9%	15.3%	15.4%	14.5%	14.0%	11.2%	10.9%	7.9%	9.8%	10.3%	5.7%	5.71%
Div. Increase Streak	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	0	0	0	0	—	—
Chowder Number	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—
Buyback Yield	0.2%	0.0%	0.0%	0.0%	0.3%	1.3%	1.8%	2.2%	2.4%	1.7%	1.3%	1.4%	1.3%	1.2%	0.8%	0.8%	0.4%	0.6%	0.6%	0.3%	0.31%
Net Buyback Yield	0.2%	0.0%	0.0%	0.0%	0.3%	1.3%	1.8%	2.2%	2.4%	1.7%	1.3%	1.4%	1.3%	1.2%	0.8%	0.8%	0.4%	0.6%	0.6%	0.3%	0.31%
Total Shareholder Return	0.2%	0.0%	0.0%	0.0%	0.3%	1.3%	1.8%	2.2%	2.4%	1.7%	1.3%	1.4%	1.3%	1.2%	0.8%	0.9%	0.5%	0.7%	0.7%	0.3%	0.31%

DuPont Factors

Metric	Q4'21	Q1'22	Q2'22	Q3'22	Q4'22	Q1'23	Q2'23	Q3'23	Q4'23	Q1'24	Q2'24	Q3'24	Q4'24	Q1'25	Q2'25	Q3'25	Q4'25	Q1'26	Q2'26	Q3'26	Current
Tax Burden (NI/EBT)	0.54	0.63	0.65	0.75	0.74	0.72	0.68	0.69	0.74	0.77	0.78	0.76	0.72	0.72	0.72	0.72	0.75	0.75	0.75	0.74	0.743
Interest Burden (EBT/EBIT)	0.42	0.62	0.74	0.82	0.87	0.84	0.75	0.77	0.76	0.83	0.88	0.88	0.89	0.90	0.90	0.88	0.86	0.88	0.88	0.89	0.890
EBIT Margin	0.05	0.07	0.08	0.09	0.09	0.09	0.06	0.07	0.06	0.07	0.10	0.10	0.11	0.11	0.11	0.13	0.13	0.14	0.15	0.15	0.151
Asset Turnover	0.59	0.62	0.64	0.66	0.68	0.69	0.71	0.73	0.75	0.75	0.76	0.77	0.78	0.79	0.72	0.73	0.74	0.77	0.75	0.78	0.783
Equity Multiplier	1.86	1.88	1.86	1.89	1.92	1.97	1.96	1.96	1.96	1.95	1.94	1.93	1.91	1.86	2.02	1.89	1.88	1.84	2.01	1.88	1.879

Per Share

Metric	Q4'21	Q1'22	Q2'22	Q3'22	Q4'22	Q1'23	Q2'23	Q3'23	Q4'23	Q1'24	Q2'24	Q3'24	Q4'24	Q1'25	Q2'25	Q3'25	Q4'25	Q1'26	Q2'26	Q3'26	Current
EPS (Diluted TTM)	$0.15	$0.24	$0.36	$0.54	$0.61	$0.61	$0.35	$0.41	$0.44	$0.58	$0.94	$0.94	$0.99	$1.03	$1.08	$1.18	$1.32	$1.48	$1.76	$1.90	$1.90
Book Value/Share	$11.83	$7.99	$8.19	$8.31	$8.39	$8.42	$8.35	$8.51	$8.56	$8.93	$9.64	$9.66	$9.63	$9.89	$10.24	$11.94	$12.32	$12.86	$13.43	$13.97	$18.98
Tangible Book/Share	$5.71	$3.76	$3.96	$4.10	$4.22	$4.18	$4.14	$4.34	$4.42	$4.77	$5.15	$5.21	$5.26	$5.54	$5.88	$7.36	$7.71	$8.17	$6.26	$6.77	$6.77
Revenue/Share	$12.84	$9.43	$9.75	$10.25	$10.74	$11.10	$11.39	$11.66	$12.04	$12.49	$13.39	$13.70	$13.90	$14.18	$14.46	$14.86	$15.31	$16.04	$17.70	$19.01	$25.75
FCF/Share	$0.40	$0.42	$0.40	$0.42	$0.42	$0.42	$0.50	$0.59	$0.70	$0.82	$0.67	$0.84	$0.95	$1.03	$1.27	$1.22	$1.35	$1.48	$1.59	$1.68	$2.28
OCF/Share	$0.82	$0.73	$0.71	$0.75	$0.81	$0.83	$0.97	$1.06	$1.17	$1.29	$1.10	$1.20	$1.38	$1.44	$1.71	$1.72	$1.81	$1.97	$2.10	$2.20	$2.99
Cash/Share	$4.46	$2.85	$3.09	$2.69	$2.50	$2.48	$2.85	$2.74	$2.53	$2.52	$2.76	$2.63	$2.04	$2.09	$6.08	$5.69	$5.64	$5.59	$4.25	$3.73	$5.05
EBITDA/Share	$2.07	$1.45	$1.41	$1.56	$1.65	$1.71	$1.38	$1.31	$1.80	$1.94	$2.46	$2.49	$1.94	$1.98	$2.06	$2.26	$2.43	$2.63	$3.08	$3.30	$3.30
Debt/Share	$8.41	$6.41	$6.41	$6.56	$6.61	$7.17	$7.09	$7.07	$7.00	$6.99	$7.39	$8.05	$6.79	$4.12	$10.37	$9.19	$9.18	$9.19	$9.58	$9.73	$9.73
Net Debt/Share	$3.94	$3.57	$3.31	$3.87	$4.12	$4.69	$4.24	$4.33	$4.47	$4.47	$4.63	$5.42	$4.74	$2.03	$4.29	$3.50	$3.54	$3.60	$5.33	$5.99	$5.99

Academic Models

Metric	Q4'21	Q1'22	Q2'22	Q3'22	Q4'22	Q1'23	Q2'23	Q3'23	Q4'23	Q1'24	Q2'24	Q3'24	Q4'24	Q1'25	Q2'25	Q3'25	Q4'25	Q1'26	Q2'26	Q3'26	Current
Altman-B Score	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	13.170
Altman Z-Prime	snapshot only																				7.564
Piotroski F-Score	6	4	5	6	6	6	5	5	4	5	8	7	8	8	4	7	6	7	7	6	6
Beneish M-Score	-2.96	-2.41	-2.22	-2.29	-2.32	-2.28	-2.42	-2.43	-2.49	-2.53	-2.40	-3.45	-2.48	-2.51	-2.55	-2.34	-2.45	-2.45	-2.10	-2.19	-2.186
Ohlson O-Score	snapshot only																				-8.490
ROIC (Greenblatt)	snapshot only																				19.07%
Net-Net WC	snapshot only																				$1.42
EVA	snapshot only																				$-2176088.74

Credit

Metric	Q4'21	Q1'22	Q2'22	Q3'22	Q4'22	Q1'23	Q2'23	Q3'23	Q4'23	Q1'24	Q2'24	Q3'24	Q4'24	Q1'25	Q2'25	Q3'25	Q4'25	Q1'26	Q2'26	Q3'26	Current
Credit Rating	snapshot only																				AA
Credit Score	61.15	71.46	72.73	75.57	76.17	75.97	73.78	73.61	77.68	78.07	82.29	82.27	84.21	88.69	84.79	84.48	85.63	87.30	87.31	86.07	86.068
Credit Grade	snapshot only																				3
Credit Trend	snapshot only																				1.587
Implied Spread (bps)	snapshot only																				80.000
Industry Credit Rank	snapshot only																				84
Sector Credit Rank	snapshot only																				82

EZPW NASDAQ

Edge Score

Analyst Insights

Financial Rating

InsiderStreet Scorecard

Risk & Quality Signals

Valuation

DuPont Decomposition (5-Factor)

Graham-Dodd Adjusted Valuation

Profitability Trends

Leverage & Solvency Trends

Efficiency & Working Capital Trends

Growth Trends (YoY %)

Earnings Stability

Monte Carlo Price Simulation

Workforce & Productivity

Scaling Efficiency

Sign in to InsiderStreet